Core Viewpoint - Despite technological advancements addressing high fees and low speeds, cryptocurrencies have not yet become a mainstream payment medium due to the lack of transaction privacy on public blockchains [1] Group 1: Challenges in Cryptocurrency Adoption - The primary obstacle for businesses using public blockchains for payments is the exposure of complete balances, suppliers, and cash flows, which is unacceptable for many [1] - There is a need for cryptocurrencies to resolve transparency issues while also meeting institutional compliance requirements [1] Group 2: Vision for Future Development - Zhao Changpeng proposed the "Invisible Track" vision, where blockchain serves as backend infrastructure to support existing payment providers [1] - This vision aims to facilitate faster and lower-cost transactions without users needing to directly interact with wallets or mnemonic phrases [1]